Yes, converting a purchase to EMI generally replaces the standard minimum-payment calculation for that portion of your balance with a fixed instalment amount, which is usually higher than what the standard minimum payment would have been on that same balance. This is actually one of the practical benefits of EMI conversion for some cardholders, since it enforces a structured, fixed repayment amount that fully clears the debt by a set date, rather than a minimum payment that could otherwise stretch repayment out indefinitely while accruing standard interest.
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